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Individual people cannot report other people to credit bureaus. To make a negative report on the tenant's credit record, you have two options.

1. You can allow a licensed collection company to begin collection of the debt. This is a good idea if you do not live close to the property, or want the tenant's credit to be affected immediately. But expect to pay 1/3-1/2 of any money collected back to the collection company.

2. Sue the tenant. Small claims court is a great place to sue if the amount owed does not exceed your state's small claims court jurisdictional limit. If the amount exceeds the jurisdictional limit, you must sue in a higher court. Much more information can be found at the Related Questions below.

Once a judgment is entered in your favor, you must pay a small fee to the court to "transcribe" it to the civil docket. At that time, credit bureaus will take notice and put the judgment on the tenant's credit.

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